Terms & Conditions

THE FOLLOWING TERMS AND CONDITIONS GOVERN YOUR USE OF THIS WEBSITE AND ANY OTHER SITES MAINTAINED BY LAMCO ADVISORY SERVICES, INC. OR ITS AFFILIATES. USE OF THESE WEBSITES CONSTITUTES YOUR CONTINUED ACCEPTANCE OF THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THESE TERMS, PLEASE IMMEDIATELY DISCONTINUE USE OF THE WEBSITE AND CONTACT US SO THAT WE MAY TERMINATE YOUR ACCESS TO THE WEBSITE.

LAMCO

This website presents information and content that is the property of LAMCO Advisory Services, Inc. and its affiliates (“LAMCO”). When used in these Terms and Conditions, “we” and “our” mean LAMCO Advisory Services, Inc. When used in these Terms and Conditions, “this site” and “the site” are intended to mean any site provided to you in conjunction with your relationship with LAMCO.

USE OF WIRELESS SERVICES AND MOBILE DEVICES

This website is accessible by computers linked directly to the internet, as well as through a variety of mobile devices (smartphones, personal digital assistants, tablet computers, etc.) that are connected through wireless internet service. A more limited version of the site has been developed to enable mobile device users to more easily navigate the site and view account and other information. Financial and other transactions are not supported in the mobile version of the site at this time. Because the mobile site supports only encrypted wireless transmissions not all mobile devices may be compatible or capable of using the mobile version of this site.

If you choose to access this website using wireless internet service, site access as well as speed of data transmission will be subject to the strength of your wireless service and the geographical coverage of your wireless service provider, factors over which LAMCO has no control. Wireless transmissions are likely to be slower than service through the Internet, and account transactions may not be received as quickly as they would if placed through your computer or other access channels. It is also possible that a wireless connection can be interrupted when attempting to process a transaction. For these reasons, consider using alternative means to initiate transactions that are time-sensitive.

Using wireless service to access this website may involve the electronic transmission of personal financial information across the networks of your wireless service provider. Your wireless service provider may need to de-encrypt and then re-encrypt your wireless transmission so that it is suitable to be delivered across the Internet. Because there may be a brief moment during which your personal information may not be encrypted, you should only use wireless networks operated by wireless service providers that you trust. For questions regarding how your specific data is protected, you should review the privacy and security practices of your wireless service provider. In addition, your wireless service provider or other third parties may be able to identify your geographical location when you send electronic transmissions. You should check with your wireless service provider regarding its tracking practices.

Because wireless devices may be lost or stolen, using such devices carries risks that your personal information may be compromised. There are steps that you may take to reduce these risks. For example, you should avoid storing passwords or other personal information on your mobile devices to prevent unauthorized use. You should use the security features that come with your device. You should change your passwords on a periodic basis and refuse to share security information or passwords with others. You should avoid “bookmarking” pages that contain personal information and decline requests from sites to store your usernames and passwords. You should log off of the site when you are finished using it so someone else cannot access your account if the device is lost or left unattended. BY ACCESSING THIS WEBSITE WITH A WIRELESS DEVICE, YOU AGREE YOU ARE RESPONSIBLE FOR TAKING ALL NECESSARY PRECAUTIONS TO SECURE THE DEVICE AND ANY PERSONAL INFORMATION STORED ON OR ACCESSIBLE BY THAT DEVICE.

LAMCO does not operate any wireless network and has no control over the operation of any wireless service provider. We cannot guarantee the privacy or security of wireless data transmissions. You assume all risk when using wireless service to access this site and are responsible for safeguarding your personal User Codes and wireless devices. Please refer to our Privacy Policy and Security Policy, the terms of which are incorporated into and made a part of these Terms and Conditions, for additional information.

INVESTMENT DECISIONS

The information provided on this site is provided to you for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any product that may be referenced on the site. The information about your account available through this website is not the official record of your account. Nothing on this website should be construed as rendering tax, legal, investment, or accounting advice. The posting of any prospectus or any other information on this website should not be interpreted as a recommendation or opinion that you should make any purchase or sale or participate in any transaction.

OWNERSHIP AND USE OF CONTENT

All of the information and content on this website, including but not limited to all text, graphics, software applications, video and audio files and photos (“Content”) is the property of LAMCO, or the property of our suppliers, and is protected by copyright under both United States and foreign laws, unless otherwise indicated. You acknowledge that some of the Content that may be presented constitutes highly confidential trade secrets protected under Florida’s Uniform Trade Secrets Act, Florida Statutes § 688.001 et seq (as may be amended from time to time), and therefore, you agree to maintain the Content in strict confidence and refrain from disclosing any of the Content to any third parties; notwithstanding this restriction, you may share the Content with your personal financial advisor provided: (1) that the information is used solely for your benefit, and not the benefit of any third-party; and (2) your personal financial advisor is shown a copy of these terms and conditions and he or she agrees to be bound by them. The Content is intended only for your own personal use, and may not be used in connection with professional or business activities. Under no circumstances may the Content, or access to the Content, be sold, bartered, or otherwise given to any third-party without the prior express written permission of LAMCO. You may make printouts of the Content solely for your own personal records, provided that the printouts retain all copyright, trademark and other proprietary notices. The use of the Content on any other website or in a networked computer environment for any purpose, or any other republication or redistribution of the Content, including, without limitation, framing the Content within another website, is expressly prohibited without the prior express written permission of LAMCO.

E-MAIL

Certain portions of this website may offer you the ability to e-mail a message to LAMCO. E-mail functionality, if any, is provided to you to facilitate certain communications between you and LAMCO. However, because these communications are not generally encrypted or secured, LAMCO will not accept transactional instructions via e-mail. Accordingly, you agree that you will not use e-mail to request, authorize or effect the purchase or sale of any securities or other product or service, to change your address or other account information, to change your User Codes, to transmit personal credit information (including credit card numbers), to send fund transfer instructions, or for any other financial transactions that require formal authorization in accordance with applicable law or policies and procedures of LAMCO. Any such requests, orders, or instructions that you send to LAMCO by e-mail will not be accepted or processed. LAMCO shall have no liability for any loss or damage that arises from e-mail requests, orders or instructions sent in violation of this provision. Moreover, LAMCO shall have no liability for any loss or damage that results from interception and/or unauthorized use by third parties of any information you send by e-mail.

In addition, you agree that under no circumstances will you e-mail non-public personal information to us.

HYPERLINKS

From time to time, as a convenience for you, we may provide links to third party websites, or permit third parties to link to this website. Links to or from a third party site, whether or not provided by LAMCO, do not imply any affiliation between LAMCO and the site owner, or an endorsement, approval, or verification by LAMCO of any content available on such third party sites. We do not review any of these third party sites and we are not responsible or liable for the accuracy or completeness of the content on any such third party sites. By providing access to other websites, LAMCO is not recommending the purchase or sale of products or services provided by the sponsoring organization of any linked site. Subject to the terms of applicable service or other agreements, we will remove any link from this website upon request from the owner of the linked site.

AVAILABILITY

Not all of the products or services described on this website are available in all geographic areas of the United States. You may not be eligible for all of the described products or services and we reserve the right to determine the eligibility of any user for any product or service. The pages relating to each product or service may provide additional information on the availability of each product or service and may contain terms governing eligibility. LAMCO reserves the right to limit your access to this site if you breach these Terms and Conditions, you cease to be eligible for products or services described, or for any other reason.

NO WARRANTY

THE CONTENT ON THIS WEBSITE (INCLUDING ANY GRAPHICS) AND ANY MATERIALS MADE AVAILABLE THROUGH THIS WEBSITE ARE SUBJECT TO APPLICABLE STATUTES AND REGULATIONS, AND ARE PROVIDED “AS IS” AND “AS AVAILABLE” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, LAMCO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. LAMCO DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE CONTENT ON THIS WEBSITE IN TERMS OF ITS CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE.

THE CONTENT ON THIS WEBSITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THIS CONTENT COULD BECOME INACCURATE AS A RESULT OF DEVELOPMENTS OCCURRING AFTER THEIR RESPECTIVE DATES. LAMCO UNDERTAKES NO OBLIGATION TO MAINTAIN THE CURRENCY OF SUCH INFORMATION.

LAMCO ENDEAVORS TO MAINTAIN THIS WEBSITE AND ITS OPERATION, BUT IS NOT, AND CANNOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THIS WEBSITE OR ITS OPERATION. AS TO THE OPERATION OF THIS WEBSITE, LAMCO EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE MAKE NO WARRANTY THAT (i) THE OPERATION OF THIS WEBSITE WILL MEET THE USER’S REQUIREMENTS; (ii) ACCESS TO THIS WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR FREE OF ERRORS; (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS WEBSITE WILL BE ACCURATE OR RELIABLE; (iv) THE WEBSITE WILL BE COMPATIBLE WITH ALL SOFTWARE AND/OR HARDWARE; OR (v) DEFECTS WILL BE CORRECTED. YOU (AND NOT LAMCO) ASSUME THE ENTIRE COST OF ALL SERVICING, REPAIR, OR CORRECTION THAT MAY BE NECESSARY FOR YOUR COMPUTER EQUIPMENT, SOFTWARE AND/OR MOBILE DEVICES AS A RESULT OF ANY VIRUSES, LOSS OF DATA, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF VISITING THIS WEBSITE.

TO THE EXTENT THAT THE LAW DOES NOT PERMIT THE DISCLAIMER OF WARRANTIES, ALL CONTENT ACCESSIBLE ON THIS WEBSITE, OR ANY OTHER WEBSITE TO WHICH WE LINK, AND ALL OPERATIONS ON THIS WEBSITE ARE WARRANTED ONLY TO THE MINIMUM AMOUNT LEGALLY REQUIRED.

NO LIABILITY

IN USING THIS WEBSITE, YOU SPECIFICALLY AGREE THAT LAMCO, AND ITS AFFILIATES, EMPLOYEES, OFFICERS, AGENTS AND REPRESENTATIVES WILL NOT BE LIABLE TO YOU OR ANY PARTY FOR ANY DELAY OR FAILURE OF PERFORMANCE, INCLUDING TECHNICAL, HARDWARE OR SOFTWARE FAILURES OF ANY KIND, AND WILL NOT BE LIABLE TO YOU OR ANY PARTY FOR ANY DAMAGES OR INJURY OR LOSS, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS ON THIS SITE (OR ANY OTHER LINKED WEBSITE), WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE ON THIS WEBSITE (OR ANY OTHER LINKED WEBSITE). LAMCO SHALL NOT BE LIABLE EVEN IF LAMCO OR A LAMCO AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR HAS BEEN NEGLIGENT. THESE INCLUDE BUT ARE NOT LIMITED TO DAMAGES OR INJURY CAUSED BY ERROR, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, LINE FAILURE OR COMPUTER VIRUS OR OTHER HARMFUL COMPONENT.

THESE LIMITATIONS ON LAMCO’S LIABILITY MAY BE DIFFERENT IN CONNECTION WITH PARTICULAR PRODUCTS OR SERVICES THAT ARE OFFERED. YOU AGREE TO INDEMNIFY AND HOLD LAMCO, AND ITS AFFILIATES, EMPLOYEES, OFFICERS, DIRECTORS, AGENTS AND REPRESENTATIVES, HARMLESS FROM AND AGAINST ANY AND ALL DAMAGES, LOSSES, CLAIMS OR ACTIONS OF ANY KIND ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THIS WEBSITE.

CHANGES

The Content on this website, and these Terms and Conditions, are subject to change or updating by us at any time without prior notice. The changes may include superseding terms and conditions or specific notices. Your continuing use of this website following any changes about which you are notified constitutes your continued acceptance of the Terms and Conditions, as modified.

GOVERNING LAW AND VENUE

The services and products described and information provided through this website are directed to and are intended to be made available only to persons in the United States and are not intended for distribution to, or use by, any person in any other country or any jurisdiction where such distribution or use would be contrary to law or regulation or that would subject LAMCO to any registration requirement within such jurisdiction or country. Persons who access this website do so on their own initiative, and are responsible for compliance with applicable local laws and regulations. If any part of these terms and conditions is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. The terms and conditions may be reformed by a court of law as necessary to give them full effect without violating any applicable public policy.

MISCELLANEOUS PROVISIONS

You agree that the provisions contained in these Terms and Conditions are reasonable and supported by adequate consideration, the receipt of which is acknowledged by you. No delay or failure by LAMCO to exercise any right we have under this agreement shall be treated as a waiver of any other rights we may have under the agreement or law.

Cookies

Your Web browser may allow you to be notified when you are receiving a cookie, giving you the choice to accept it or not. By not accepting cookies, some pages may not fully function and you may not be able to access certain information on this site. For further details please read our full cookie policy statement.

Copyright Notice

This website and the information contained within it is protected by copyright. Reproduction of part or all of the website contents in any form is prohibited unless for personal use. Content of this website may not be copied to any other publication (including electronic, hard copy or others). Interior deep linking or framing of this website is prohibited without permission of LAMCO Advisory Services, Inc.

Data Protection Notice

LAMCO Advisory Services, Inc. is registered under the Data Protection Act 1998 and complies with the Act in all our dealings with your personal data.